摘要
寿险需求是商业保险领域重要的研究课题之一,以制度变迁为基础可分析中国转轨经济时期二元经济结构对人寿保险的需求特点。计量检验结果表明:经济体制改革为标志的制度变迁对寿险需求影响最大,全面对外开放对寿险需求的影响融入到经济体制改革对寿险需求的影响中。由此,我们衍生的政策建议是加快各项改革的进程,通过制度创新完善产权结构,促进经济稳定快速发展,从而带动寿险需求。同时以建立农村养老保险制度为基点,把增加农民收入作为拉动寿险需求的长期政策。
The demand for life insurance is a key issue in insurance industry. This paper establishes a dynamic model on the basis of the rate of inflation, pure income of peasants, the social security , save and deposable income of urban people, analyzing the path of impulse response of the demand for life insurance to the variations by VAR model and impulse response function. We made some conclusions： the key factors affecting the demand for life insurance are the pure income of peasants and the system of social security; for a long time, the relationship of the social security and the demand for life insurance is complementary instead of substitution.
出处
《华中科技大学学报（社会科学版）》
CSSCI
北大核心
2010年第1期72-76,共5页
Journal of Huazhong University of Science and Technology(Social Science Edition)
基金
对外经济贸易大学新进教师科研项目基金资助(08QD05)
关键词
寿险需求
二元经济
制度变迁
institutional change
dual economics
VAR model
impulse response
